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The Strategic Banking Corporation of Ireland provides Irish SMEs with access to flexible, low-cost funding

Through various financial products such as loans, asset finance, and invoice finance, which are offered via on-lending partners

Who we are?

The SBCI was established to ensure that Irish SMEs have access to stable, lower-cost, long-term funding options. Since 2014, the SBCI has provided €4 billion in funding to over 60,000 Irish businesses across various sectors.


Who we service?

We offer lower-cost, longer-term funding with reduced security requirements for SMEs, farmers, and fishers to help them implement their business plans.


What we do?

The SBCI ensures access to flexible funding to help Irish businesses grow, innovate, and prosper. 


At a glance

Focus
  • Funding for Irish businesses via our on-lending partners
  • Longer term funding
  • Lower interest rate and reduced security
Sectors
  • Construction
  • Wholesale retail trade
  • Manufacturing
  • Agriculture, Forestry & Fishing
  • Professional & Technology
Network
  • Our funding is available through on-lending partners
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Supports from SBCI

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Green Transition Finance

Flexible lending to support the green and sustainable transition of SMEs and small mid-cap companies

Loans ranging from €500,000 to €5 million are accessible to businesses engaged in sustainable practices or seeking to invest in green and sustainable assets. These loans are at competitive interest rates, making them an appealing financial choice, with flexible repayment terms customised to the loan's intended use. 

Loans

You may be eligible if:

  • You are based in an EU member state and conducting business in the Republic of Ireland
  • You must also fulfil the eligibility criteria for the InvestEU SME and Small Mid-Cap Sustainability Guarantee Product
  • Eligibility is contingent upon the terms and conditions

Leasing and Hire Purchase

Get flexible funding for vehicles and machinery

Flexible funding schemes, like hire purchase agreements, allow you to own the asset at the end of the contract. While a finance lease allows you to rent the asset for as long as you need it, then return it. 

Loans

You might be eligible if: 

  • You are a small to medium business 

Eligibility is subject to terms and conditions.

Growth and Sustainability Loan Scheme

Low-cost loans for growth, resilience and sustainability

This support offers loans of up to €3 million. These loans can be used to make long-term investments in equipment, premises, process innovation or research and development.

Loans

You might be eligible if: 

  • You are a small to medium business
  • You are a small mid-cap company (A small mid-cap is an enterprise that is not an SME but has fewer than 500 employees)

Eligibility is subject to terms and conditions.

Invoice Financing

Use outstanding invoices to get a cash advance

This flexible financing is useful for small businesses to bridge cash flow gaps. For example, when a customer takes a long time to settle an invoice or if the business is experiencing seasonal slow periods.

Loans

You might be eligible if: 

  • You are a small to medium business

Eligibility is subject to terms and conditions.

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Collaborating with you is essential for creating a dynamic future for businesses in Ireland.

Sarah

Innovate Solutions Project Manager
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